Payments & Fraud Analyst

Discord•San Francisco, CA

2d•Remote

About The Position

Discord's Payments, Fraud & Risk team is responsible for managing payments optimization and fraud risk to support revenue growth and protect the company's financial health. The team operates in three core areas: identifying and mitigating large-scale fraud for clean revenue, optimizing payment costs through chargeback strategy and card network fee mitigation, and partnering with Product, Revenue, and Engineering to address fraud risk early. This role serves as a key liaison between various departments, embedding fraud and financial risk expertise into Discord's operations with a focus on enabling growth. As a Payments & Fraud Analyst, you will own specific team functions end-to-end, leading cross-functional programs, shaping strategy, and making critical fraud risk decisions to ensure confident product launches and maximized clean revenue.

Requirements

4–5+ years of experience in payments, fraud, or risk operations, with direct, hands-on exposure to card network rules, chargebacks, and dispute processes
Deep working knowledge of payments flows, card network rules (Visa, Mastercard, Amex, etc.), and chargeback/dispute processes
Proficiency in SQL, with hands-on experience querying and analyzing large datasets to drive fraud and payments decisions
Experience building reporting and monitoring workflows using BI and alerting tools (e.g., Mode, Datadog, or equivalent)
Proven ability to independently own an end-to-end function and execute mid-size programs with minimal oversight, making judgment calls that weigh business impact and tradeoffs
Comfort navigating ambiguous problems where the issue is known but the right solution requires evaluating multiple options, with the ability to anticipate near-term risks and proactively flag or mitigate them
Strong written and verbal communication skills, with the ability to translate complex, technical findings into business-impact narratives for cross-functional and senior stakeholders
Experience mentoring others or serving as a technical resource on a team, with a collaborative, cross-functional operating style comfortable navigating differing viewpoints with peers across Engineering, Legal, Product, and Revenue

Responsibilities

Own high-scale fraud detection and mitigation, payments operations, and risk assessment within your assigned area end-to-end — from strategy through execution and post-launch measurement
Lead high complexity fraud investigations, perform root cause analyses, and translate findings into concrete proposals for rule improvements and cross-functional action
Write SQL queries to analyze fraud and payments data, and build reporting and monitoring dashboards and alerts (e.g., Mode, Datadog) that track performance and inform decision-making
Program manage cross-functional initiatives with Engineering, Legal, Payments Strategy, Product, Revenue, and other partners — setting milestones, managing dependencies, and driving delivery
Contribute to risk assessments for new product launches, identifying fraud exposure early and executing mitigation strategies
Communicate the business impact of your work to cross-functional stakeholders — pre, during, and post-launch — adjusting level of detail based on audience
Mentor junior team members and contribute to team-wide quality and knowledge sharing